After reading several of the actual travel insurance contracts offered in the UK, there is wording to the effect that "We will not cover any activity considered to be dangerous that is not listed below" and while motorcycles are listed, there is absolutely no mention of driving a car, which by its nature is a dangerous activity. I would take that to mean that you are not covered.
In addition, there are several areas specifically not covered regarding vehicle use.
There is No Personal Liability "arising due to you owning, possessing or using mechanically-propelled vehicles, watercraft or aircraft of any description".
Also, there are No Legal Expenses that will be paid from "Any claims arising out of you owning, possessing or using mechanically-propelled vehicles, watercraft or aircraft of any description".
This would mean that anyone or anything hurt or damaged while driving a vehicle would have to be made right out of the driver/renters own pocket, there is no coverage. And that you would pay for any all legal expenses arising from any accident.
Tic,
After checking the wording on several standard UK car insurance policies, there is wording to the effect that when driving other cars "If Your Certificate of Motor Insurance permits You, we will also cover You, the policyholder, for Your liability to other people while You are driving any other private motor car which You do not own or have not hired or leased." This would mean your standard UK car insurance policy would not cover you while hiring and driving a car in Jamaica.
So as suggested before, get the car insurance offered by the rental company for the extra $$ per day - it would limit your risk substantially should any damage occur. Please be sure to check with the rental company as to the coverages available, the deductibles and out of pockets costs you would still incur should an accident occur.
